Sometimes professionals working in the trades also get E&O coverage, usually within a broader insurance policy. In these cases, E&O might apply when the professional advises a client on an issue. The coverage usually won’t protect against errors in work completed. This might be useful to general contractors, landscapers, plumbers, electricians, HVAC professionals and others.
When professionals provide a specialized skill, additional coverage is usually needed in case there’s a mistake in actual work. Trade professionals might get the additional coverage through something like builders risk insurance. Other fields may require an altogether different policy, such as medical malpractice for healthcare providers.
If professionals have doubts about whether E&O insurance or another type of professional liability insurance is suitable for them, they should seek advice from a knowledgeable insurance agent. An agent who’s specialized in E&O insurance and other types of professional liability can recommend the most appropriate policy for a particular line of work.